Terms of Service

Last updated: May 2026

1. Acceptance of Terms

By accessing and using CardWise, you accept and agree to be bound by these Terms of Service. If you do not agree, please do not use our service.

2. Description of Service

CardWise SG is a free credit card rewards calculator for Singapore credit cards. We provide estimates based on publicly available information from credit card terms and conditions.

3. No Financial Advice

IMPORTANT: CardWise is an informational tool only. We do NOT provide financial advice. Calculations are estimates and may not reflect actual rewards you receive. Always verify with your bank's official terms and conditions before making financial decisions.

4. Accuracy Disclaimer

We strive for accuracy but cannot guarantee:

• Calculations are 100% accurate for your specific situation
• Information is always up-to-date (banks change terms regularly)
• Coverage of all promotional offers or special conditions

You are responsible for verifying all information with your credit card issuer.

Important: Credit card terms, reward rates, and promotional offers are determined solely by the issuing banks and may change without notice. CardWise does not control or guarantee the accuracy of third-party information.

5. No Bank Affiliation

CardWise is NOT affiliated with, endorsed by, or sponsored by any bank or credit card company mentioned on our site. All bank names, logos, and trademarks are property of their respective owners.

6. User Responsibilities

You agree to:

• Use the calculator for lawful purposes only
• Not misuse or attempt to manipulate the service
• Verify all calculations with official bank sources
• Make independent financial decisions

7. Limitation of Liability

Service Provided "As Is": CardWise is provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied.

To the fullest extent permitted by Singapore law, CardWise and its creator shall NOT be liable for:

• Any financial losses resulting from use of our calculator
• Inaccuracies in calculations or data
• Decisions made based on information provided
• Service interruptions, errors, or technical failures
• Any damages arising from use or inability to use the service

8. Changes to Service

We reserve the right to:

• Modify or discontinue the service at any time
• Update card information and calculations
• Change these terms (with notice)

9. Governing Law

These terms are governed by the laws of Singapore. Any disputes shall be subject to the exclusive jurisdiction of Singapore courts.

10. Contact

Questions about these Terms? Contact us at:

Email: bryanhxy@gmail.com

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